needreliefASAP
New Member
I am currently in a Chapter 13 Bankruptcy and finally received a permanent modification from Bank of America on my 1st mortgage and was approved by the trustee. *My 2nd mortgage is with Realtime Solutions. I'm about $3100 behind on mortgage payments with them and can no longer afford to continue making my Bankruptcy payments of $2200. I just want to save my home, they can have everything else. Should I seek a modification with Realtime solutions before or after I ask to be dismissed from bankruptcy? I need to keep my home but get out of paying Bankruptcy. What should I do? My Lawyer states that I have to catch up with my 2nd mortgage in order to file a chapter 7. I feel that instead of making $2200 payments to bankruptcy, I can take half of that and get caught up on my 2nd mortgage in about 4 months or file for a modification. They want me to pay $2200 in two weeks and I cant afford to do so, it will probably get dismissed anyway in two weeks. My Lawyer won't help answer my question, she just said "pay it" and walked away.